Firearms & Ammunition

The firearms industry is one of the most underserved verticals in payment processing. Despite being a legal, federally regulated industry, gun stores and online firearms retailers face systematic discrimination from payment processors, banks, and technology platforms.

Stripe, Square, PayPal, and Shopify Payments all restrict or prohibit firearms and ammunition sales in their acceptable use policies. Even processors that initially approve firearms merchants often terminate accounts during routine compliance reviews — or after political pressure campaigns target the industry. This creates an unstable environment where [FFL dealers can lose their payment processing overnight](/blog/stripe-alternative-high-risk-businesses).

Unison Payment Solutions works with acquiring banks that have clear, stable underwriting policies for the firearms industry. Our banking partners evaluate FFL dealers based on licensing, compliance, and business practices — not political considerations. Once approved, your account is built for long-term stability.

Our firearms merchant accounts use [interchange-plus pricing](/resources/interchange-plus-pricing-guide) that saves most gun stores 15-30% compared to flat-rate or tiered processors. There are no monthly fees, no setup fees, no annual fees, and no early termination fees. You pay only for transactions processed.

For online firearms retailers, our [payment gateway](/payment-gateway) integrations work with major eCommerce platforms. While Shopify Payments restricts firearms, you can use Shopify as your storefront with a [third-party gateway](/blog/shopify-payments-restrictions-explained) connected to your Unison merchant account.

[Chargeback protection](/services/chargeback-protection) is included with every firearms merchant account. Ethoca and Verifi alerts intercept disputes before they become chargebacks — critical for online firearms sales where shipping times and age verification create dispute risk.

For gun shows, off-site events, and mobile sales, our portable terminals process card-present transactions at the lowest available rates. [Mobile payment options](/blog/how-to-accept-credit-card-payments-on-phone) let you accept payments anywhere with a cellular connection.

[ACH payment processing](/ach-payment-processing) is available for wholesale transactions, layaway programs, and high-ticket purchases where card processing fees are significant.

Getting started is quick and easy. The entire application takes less than 10 minutes.

What You Need to Apply

• Basic business details (name, address, EIN)
• Recent processing statement (if switching providers)
• Voided check for deposit setup

Approval Timeline

High-risk industries need specialized underwriting. Our team knows how to present your business to acquiring banks. We maintain strong relationships with high-risk processors. Most applications are approved within 3–7 business days.

Setup & Onboarding

Once approved, we configure your terminal or gateway with your settings:

• Tax rates and tip options
• Receipt branding and employee access
• Software integrations
• Free training for your team

Transparent Pricing

We use interchange-plus pricing. You pay the wholesale rate plus a small markup. No hidden fees. No long-term contracts. No early termination penalties.

Your dedicated account manager monitors your account. They help optimize your setup and are always a call away.

Processing fees rank among the top business expenses — right behind rent and payroll. Most owners don't realize they're overpaying.

See What You're Really Paying

Flat-rate and tiered pricing hide the real costs. Interchange fees, assessment fees, and markup get bundled together. You can't tell what goes to the card networks versus your processor.

Interchange-plus pricing separates these costs. You see the wholesale rate on every transaction plus a clear markup. No guessing.

Real Savings Examples

• Processing $30K/month? A 0.5% rate cut saves $1,800/year
• Typical savings when switching: 20–40% of total fees
• Annual savings often reach $3,000–$10,000+

Eliminate Fees Entirely

Our cash discount program lets you pass processing costs to card users. Cash customers get a discount. Card customers pay the listed price. It's legal in all 50 states.

• Configured on your terminal by our team
• No ongoing management needed
• Redirect savings into payroll, marketing, or growth

The right POS system speeds up checkout, cuts admin time, and gives you real business insights. We carry the top brands.

Clover POS

• Options from mobile (Clover Go) to full station (Clover Station)
• App marketplace for loyalty, inventory, scheduling, and more
• Cloud dashboard — manage sales and reports from anywhere

PAX Technology

• Reliable, fast, and affordable
• PAX A920 and A920Pro — Android-based smart terminals
• Great for businesses that want a solid terminal without a full POS overhead

Dejavoo

• Compact, durable, and fast
• Handles high-volume periods without slowing down
• Supports chip, tap, and swipe payments

Not Sure Which to Pick?

Our team reviews your volume, workflow, features, and budget. We recommend the best fit. Every terminal ships pre-configured with free setup and training. Browse all POS systems →

Most firearms & ammunition business owners lose money on payment processing because of avoidable mistakes. Here are the most common ones we see and how to fix them.

Staying on Flat-Rate Pricing Too Long

Flat-rate processors like Square and Stripe charge a single rate on every transaction, typically 2.6 percent plus 10 cents for card-present transactions. This is convenient but expensive. Once you process more than about $5,000 per month, interchange-plus pricing almost always saves money. The more you process, the bigger the gap.

Ignoring Your Processing Statement

Your monthly statement tells you exactly what you are paying. Most merchants never read it. Look for your effective rate by dividing total fees by total volume. If the number is above 2.5 percent for card-present transactions, you are likely overpaying. Unison clients typically achieve effective rates between 1.5 and 2.2 percent.

Not Using EMV Chip Readers

If a customer uses a chip card and you swipe instead of dip, you are liable for any fraud on that transaction. EMV chip readers also qualify transactions for lower interchange rates. Every terminal we provide supports chip, tap, and swipe payments.

Overlooking PCI Compliance

PCI compliance is required for every business that accepts cards. Non-compliance fees range from $20 to $100 per month. A data breach can cost $5,000 to $100,000 or more. Our PCI-certified terminals and guided compliance questionnaire make certification straightforward.

Signing Long-Term Contracts

Many processors lock merchants into 3-year contracts with early termination fees of $300 to $500. We do not require long-term contracts. Process month to month. If you are not happy, you can leave at any time without penalty.

Unison Payment Solutions has worked with hundreds of firearms & ammunition businesses across the United States. We understand the specific challenges, compliance requirements, and payment workflows that firearms & ammunition merchants face every day. Our goal is simple: give you the lowest possible rates, the best hardware, and support from someone who actually knows your industry.

Unlike aggregators that treat every business the same, we build custom solutions. Your pricing is based on your actual transaction data. Your terminal is configured for your menu, your tax rates, and your workflow. Your account manager works with firearms & ammunition merchants regularly and can answer questions specific to your business.

Whether you are opening your first location, switching from another processor, or expanding to multiple sites, we make the process straightforward. Apply in minutes. Get approved quickly. Start saving from your very first batch.

Ready to see how much you could save? Request a free statement analysis or use our savings calculator to estimate your potential savings right now.